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Business Profile

Bank

First National Bank of Omaha (FNBO)

Complaints

This profile includes complaints for First National Bank of Omaha (FNBO)'s headquarters and its corporate-owned locations. To view all corporate locations, see

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First National Bank of Omaha (FNBO) has 101 locations, listed below.

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    Customer Complaints Summary

    • 395 total complaints in the last 3 years.
    • 106 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:04/16/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I called Mgm Platinum cards about reducing my monthly payment. And it was agree if I paid off half of my card the monthly payment would be reduced along with the balance. We agreed that it would reduce to possibly 20 dollars a month instead of paying 40 a month. So after the conversation, I paid off another 471 dollars along with another payment. However, my monthly payment remained hte same. I called back and was told they had a minimum of 40 even if my balance was 40.

      Business Response

      Date: 04/29/2025

      The following was submitted on the BBB website:

      April 29, 2025
      As you requested, we addressed this matter directly with ****** ****** on April 29, 2025, by way of letter. The customer should
      receive the letter in the next 7-10 business days. However, in the interest of
      protecting our customer’s confidentiality, we are unable to provide you with
      the details of our letter. If you would like further details, please contact ****** ****** directly. Please let us know if you have any questions
      regarding the resolution of our inquiry and thank you for taking the time to
      bring this matter to our attention.

      Customer Answer

      Date: 04/29/2025



      Complaint: ********



      I am rejecting this response because:

      I haven't received anything. And I was told at least 4 times I would get a call from a superior, which they never called!

      Sincerely,



      ****** ******
    • Initial Complaint

      Date:04/09/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I noticed a fraudulent charge in my Scheels visa account for a purchase at a Lowe’s in Pennsylvania, we live in South Dakota and have never been to Pennsylvania. I called FNBO immediately and was told they would put it through to the fraud department but in order to get a new card, my husband would need to call as the primary holder. He called that afternoon and was told the cards would arrive in 7-10 days. Called after 9 days and was told the cards were mailed. Called after 14 days and told they were never mailed as the primary card holder did not call in, then was told they would be fed ex’d out as we were Scheels premier members. Called again 7 days later and told cards not processed and in a queue. Still no resolution in the fraud. The customer service was abysmal to say the least,

      Business Response

      Date: 04/29/2025

      The following was submitted on the BBB website:

      April 29, 2025
      As you requested, we addressed this matter directly with ******** ****** on April 29, 2025 by way of letter. The customer should
      receive the letter in the next 7-10 business days. However, in the interest of
      protecting our customer’s confidentiality, we are unable to provide you with
      the details of our letter. If you would like further details, please contact ******** ******
      directly. Please let us know if you have any questions regarding the resolution
      of our inquiry and thank you for taking the time to bring this matter to our
      attention.
    • Initial Complaint

      Date:04/07/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      FNBO advertises a credit card to receive 20,000 guest rewards points on Amtrak. THIS is the deal that I signed up for when I applied for the card. The deal required that I spend $1000 on the card in the first 3 months, I spent $1118, which FNBO confirms. However, they now insist that I signed up for a card requiring $2000 to be spent in the first 3 months for a bonus of 35,000 guest rewards points...which I did not want nor would I have bothered to sign up for. I COULD easily have spent the $2000 as I do that level of spending and paying on other cards, but chose not to assuming that I'd already met the requirements per the advertisement. I called FNBO twice and was told that they gave me the other deal so so I could not receive the 20,000. Frustrating misadvertisement!

      Business Response

      Date: 04/22/2025

      April 22, 2025
      As you requested, we
      addressed this matter directly with ***** ****** on April 22, 2025 by way of letter. The customer should
      receive the letter in the next 7-10 business days. However, in the interest of
      protecting our customer’s confidentiality, we are unable to provide you with
      the details of our letter. If you would like further details, please contact ***** ****** directly. Please let us know if you have any
      questions regarding the resolution of our inquiry and thank you for taking the
      time to bring this matter to our attention.
    • Initial Complaint

      Date:04/01/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I've been a loyal customer for almost 8 years. I'm a small seasonal business owner with 5 kids. FNBO reduces my business credit card by 2/3's.
      No phone call no email no letter they just did it. This happened literally one week before my season is beginning. This has put myself and family in a bad situation. Would like clarity why a big company would crush a small family owned business.

      Business Response

      Date: 04/15/2025

      April 15, 2025
      As you requested, we
      addressed this matter directly with *** ******** on April 15, 2025 by way of letter. The customer should
      receive the letter in the next 7-10 business days. However, in the interest of
      protecting our customer’s confidentiality, we are unable to provide you with
      the details of our letter. If you would like further details, please contact *** ******** directly. Please let us know if you have any
      questions regarding the resolution of our inquiry and thank you for taking the
      time to bring this matter to our attention.
    • Initial Complaint

      Date:03/31/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I always make my FNBO credit card monthly payment early and I have always paid significantly more than the minimum payment. In December of 2024, I made a large payment of $9,500. For some reason, FNBO processed that payment twice. I noticed this right away and called customer service to ask them to cancel the second payment. The customer service representatives told me that they did not have the authority to help me. They also told me they could not transfer me to anyone who could help. I notified the customer service representative that, since they couldn’t help me, I was going to have my bank cancel the second payment. They understood. So, I contacted my bank to cancel the second payment.

      Since December, all my payments have been flagged by the system as being likely to not clear, and a hold gets put on my payment so that it takes two weeks to clear. Since I use this card a lot and pay it off every month, this is a hindrance on my ability to utilize the service. I have tried calling customer service multiple times. Each time I call, the representatives tell me that they are unable to assist me and unable to connect me to anyone who can. Today, I spent a lengthy amount of time on the phone, insisting to speak with a manager. The manager repeatedly tried to avoid speaking with me by telling her employee reasons that I should simply terminate the call and give up. When I was finally able to speak with the manager, she sounded extremely annoyed and told me in an exasperated voice that my cardholder agreement states that FNBO can choose to put a hold on my payment for any reason and there is nothing she could do to help me. I explained that I was not questioning the legality of FNBO placing the hold. I simply wanted the chance to talk to someone who had the authority to investigate the situation and fix it if they feel it is warranted after talking to me. The supervisor told me that it is impossible for me to speak with anyone who had the authority to help me.

      Business Response

      Date: 04/10/2025

      April 10, 2025
      As you requested, we
      addressed this matter directly with ***** **** on April 10, 2025 by way of letter. The customer should
      receive the letter in the next 7-10 business days. However, in the interest of
      protecting our customer’s confidentiality, we are unable to provide you with
      the details of our letter. If you would like further details, please contact ***** **** directly. Please let us know if you have any
      questions regarding the resolution of our inquiry and thank you for taking the
      time to bring this matter to our attention.

      Customer Answer

      Date: 04/14/2025



      Complaint: ********



      I am rejecting this response because they did not propose any solution to the problem. They simply told me that they reviewed their records and found that I was wrong in my assertion that they accidentally charged me twice in December for the same payment, and this was not a result of an error on their part. They stated that their records show that I initiated two separate payments of $9,500, and because I cancelled the second payment, their system flagged my account for funds being likely to be returned as insufficient. This half-hearted "reply" is really just blowing me off without offering any solutions for fixing the issue. There are multiple issues with their reply:

      1. There is absolutely no reason for me to have initiated two separate payments of $9,500 on December 11th. The payment I was making was for approximately the entire balance that was owed on my account. Why would I knowingly make two separate payments for a total of approximately twice the total of what I owed on my account? it seems more likely that an error occurred.

      2. Why would their system accept two separate payments that total an amount that is approximately twice as high as the entire balance that was owed on my account?

      3. I pay my bill in full every month and have an excellent credit rating. It is obvious that I am not a high-risk client. I clearly communicated regularly with FNBO about the situation and attempted multiple times to resolve it. Why has FNBO not offered a single solution for resolving this situation amicably?




      Sincerely,



      ***** ****

    • Initial Complaint

      Date:03/27/2025

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.

      *** ******** ********
      ***** **** ** *** *** **** * *** *** ********* ********
      *****************************************************

       my loan is requested to be paid in full 

      Business Response

      Date: 04/07/2025

      April 7, 2025
      As you requested, we
      addressed this matter directly with ******* ********* on April 7, 2025 by way of letter. The customer should
      receive the letter in the next 7-10 business days. However, in the interest of
      protecting our customer’s confidentiality, we are unable to provide you with
      the details of our letter. If you would like further details, please contact ******* ********* directly. Please let us know if you have any
      questions regarding the resolution of our inquiry and thank you for taking the
      time to bring this matter to our attention.
    • Initial Complaint

      Date:03/25/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Credit card company hit me with an inquiry for a credit card without providing me with answer back. This business is hitting people's credit and not delivering on their promise. Should be shut down immediately for fraud and hitting people's credit for no reason but to harm them.

      Business Response

      Date: 04/03/2025

      April 3, 2025
      As you requested, we addressed this matter directly with **** ********** on April 3, 2025, by way of letter. The customer
      should receive the letter in the next 7-10 business days. However, in the
      interest of protecting our customer’s confidentiality, we are unable to provide
      you with the details of our letter. If you would like further details, please
      contact **** ********** directly. Please let us know if you
      have any questions regarding the resolution of our inquiry and thank you for
      taking the time to bring this matter to our attention.

      Customer Answer

      Date: 04/10/2025



      Complaint: ********



      I am rejecting this response because:

      Bank or credit card company has provided no proof that I received a letter asking for more details for application. I did not get a call or email letting me know to look out for a letter in the mail. I’m now wondering who received the letter with my personal information? I think this is a bad business practice and they should remove the credit inquiry immediately since they are refusing to provide me with a service without hitting my credit with another hard inquiry. I went on their website daily checking my application status and all it said was pending, never gave a reason why. Next thing I know, I check it again for update and my name was no longer on website. If they knew I needed to do something, why not let me know on the website? I then called the company and they said, because I didn’t return needed documents I was declined the card. Again I explained that I was completely blindsided and had no clue a letter was coming. I check my mail daily and live at the address I had on file. I received the letter for their resolution but this does not help me because they are refusing to remove inquiry. Sad part is I would’ve loved to still get the card but at this point they will hit me with another hard inquiry and who knows if I’ll receive letter. Please remove hard inquiry and be fair 




      Sincerely,



      **** **********

      Business Response

      Date: 04/15/2025

      The following was submitted on the BBB website:

      April 15, 2025
      As you requested, we addressed this matter directly with **** ********** on April 15, 2025, by way of letter. The
      customer should receive the letter in the next 7-10 business days. However, in
      the interest of protecting our customer’s confidentiality, we are unable to
      provide you with the details of our letter. If you would like further details,
      please contact **** ********** directly. Please let us know if you
      have any questions regarding the resolution of our inquiry and thank you for
      taking the time to bring this matter to our attention.

      Customer Answer

      Date: 04/23/2025



      Complaint: ********



      I am rejecting this response because:

      they have yet to remove my credit inquiry for the service they refuse to provide. Nowhere in the disclaimer when applying for the credit card does it say anything about extra approval coming in mail. I was blindsided and never received their letter. FNBO is stating they can’t be held responsible if **** doesn’t deliver letter. I don’t think it’s fair to hold the consumer on the hook for something neither one of us can control. If I knew a letter was supposed to show up I would’ve reached out to FNBO to let them know I had not seen it. Fact that they classify a non response as a denial without letting me know a letter has been mailed is not fair business practices. Please remove inquiry or we can continue going back and forth 




      Sincerely,



      **** **********

      Customer Answer

      Date: 04/23/2025

      Why did you guys shut down the case when I just responded 10 minutes before? Please let me know if I can expect a response from the business…
    • Initial Complaint

      Date:03/23/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I reported fraud on my Scheels credit card. They closed my card and sent me a new one. FNBO reported to the credit bureau that my card was listed, I closed my account, and opened a new card. All causing my credit to drop over 40 points. I contacted customer care and asked to speak to a supervisor. I was transferred to a supervisor named *****. She told me there’s nothing they can do wait 30 days. As I told her you have a department that turns this into the bureau that she needs to contact them and have it corrected. She told me to wait until the end of April. She refused to help. If I wanted to use my credit to buy something big there is a great chance of being denied from what they turned in. Once they fix it my credit will not be the same score.
      They need to fix my credit report and compensate me for their mess up.

      Business Response

      Date: 04/03/2025

      April 3, 2025
      As you requested, we addressed this matter directly with ***** ******** on April 3, 2025, by way of letter. The customer should
      receive the letter in the next 7-10 business days. However, in the interest of
      protecting our customer’s confidentiality, we are unable to provide you with
      the details of our letter. If you would like further details, please contact ***** ******** directly. Please let us know if you have any questions
      regarding the resolution of our inquiry and thank you for taking the time to
      bring this matter to our attention.
    • Initial Complaint

      Date:03/19/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      SLICE by FNBO has, in my belief, fraudulently applied my loan payments. The SLICE platform took over what was called Amerifirst in servicing my loan in October 2024. No payment was taken from me in October 2024, a half payment was taken in November 2024, and full payment taken each month December 2024 to present March 2025. I inquired about the payment discrepancies and how the principal of my loan has not decreased since November 2024. They responded to my inquiry stating I’d made extra payments on my loan which resulted in the November half payment. They also said the December through February payments were only applied to the interest. The issue with this response is that I haven’t made any additional payments, my November 2024 payment was never added to my account, and I don’t have an interest only loan. My payments are supposed to be put towards principal and interest. I also noticed they have again adjusted my automatic payment to a half payment in April 2025. In looking at my account today, they have applied the half payment for November 2024 and since November 2024 my loan principal has only decreased by the half payment ($351.87) although I’ve paid $3,166.83 between November 2024 to present March 2025. Attachments include screenshots of my checking account payments for the loan. They also include screenshots of payment history on my loan account and the upcoming payment schedule. Lastly, I also added my inquiry email, their response, and my response sent just before this complaint.

      Customer Answer

      Date: 03/21/2025

      Attached is the response email from Slice, their record of payments, and my response back to them.

      Business Response

      Date: 04/02/2025

      April 2, 2025
      As you requested, we
      addressed this matter directly with ***** ***** on April 2, 2025 by way of letter. The customer should
      receive the letter in the next 7-10 business days. However, in the interest of
      protecting our customer’s confidentiality, we are unable to provide you with
      the details of our letter. If you would like further details, please contact ***** ***** directly. Please let us know if you have any
      questions regarding the resolution of our inquiry and thank you for taking the
      time to bring this matter to our attention.
    • Initial Complaint

      Date:03/19/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      For the past 8 months I have been sending my mother a check for deposit into her account at fnbo for her care. Upon reviewing the canceled checks I noticed that a poa has been signing for them and there is no validation print on the back of the checks. I inquired to the poa and they sent me a picture of my check sitting on a piece of paper with the words mobile deposit and a blacked out amount. O have sent emails and called fnbo many manybtimes to verify that my money was deposited into my mother's account. To no avail. This last check I clearly wrote on the back for deposit only to ####### and NO MOBILE DEPOSIT above the endorsement line. It clearly was mobile deposited again. There seems to be NO validation of checks when using mobile deposit. Fnbo will not even tell if my money was deposited to the correct account!!! While doing research on mobile deposits and calling the fnbo branch they only check to see if it has been endorsed. Mobile deposits can go anywhere the user decides it should go and can even be cashed out or sent to a cash app!! Injust want to know if my mother's account is receiving my money!! Poa will not show me proof and fnbo is not assisting as well!! Watch out people and don't leave checks laying around even if they're not made out to cash someone can sign the back, snap a picture and do whatever they wish

      Business Response

      Date: 04/01/2025

      April 1, 2025
      As you requested, we
      addressed this matter directly with*** ***** *** on April 1, 2025 by way of letter. The customer should
      receive the letter in the next 7-10 business days. However, in the interest of
      protecting our customer’s confidentiality, we are unable to provide you with
      the details of our letter. If you would like further details, please contact ***** ****** directly. Please let us know if you have any
      questions regarding the resolution of our inquiry and thank you for taking the
      time to bring this matter to our attention.

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